Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.73% | +0.03 | 1.70% |
| Return on Equity (%) | ▼ | 14.02% | -0.61 | 14.63% |
| Net Interest Margin (%) | ▼ | 4.11% | -0.22 | 4.33% |
| Efficiency Ratio (%) | ▲ | 48.83% | -2.61 | 51.44% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.10 | $2 |
| Cost of Funds (%) | ▲ | 0.53% | -0.05 | 0.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $318 | +16.27 | $301 |
| Gross Loans ($M) | ▼ | $98 | -0.24 | $99 |
| Loan Growth YoY (%) | ▼ | 35.49% | -2.45 | 37.95% |
| Total Deposits ($M) | ▲ | $274 | +17.20 | $257 |
| Shareholders Equity ($M) | ▲ | $40 | +3.40 | $36 |
| Tang. Book Value ($M) | ▲ | $40 | +3.40 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +3.27 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 35.49% | -2.45 | 37.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.27% | +0.06 | 0.21% |
| Allowance / Loans (%) | — | 1.12% | -0.04% | 1.16% |
| Net Charge-Off Ratio (%) | ▼ | 0.86% | +0.22 | 0.64% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 34.14% | +2.42 | 31.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▄▆▅▁▁ | Net Interest Margin (%) | 4.61% | 4.58% | 4.20% | 4.33% | 4.44% | 4.41% | 4.08% | 4.11% |
| █▆▁▃▅▄▂▄ | Return on Assets (%) | 1.91% | 1.83% | 1.58% | 1.70% | 1.78% | 1.72% | 1.64% | 1.73% |
| ▂▁█▆▂▅▅▁ | Efficiency Ratio (%) | 49.4% | 48.9% | 52.8% | 51.4% | 49.8% | 51.1% | 51.1% | 48.8% |
| ▆▅▃▆█▂▁▂ | Cost of Funds (%) | 0.59% | 0.58% | 0.55% | 0.58% | 0.62% | 0.54% | 0.52% | 0.53% |
| ▁▁▁▂▂▆█▇ | NPA / Assets (%) | 0.19% | 0.19% | 0.19% | 0.21% | 0.21% | 0.26% | 0.29% | 0.27% |
| ▅▄▄▅▁▇██ | Net Charge-Off Ratio (%) | 0.61% | 0.57% | 0.57% | 0.64% | 0.31% | 0.82% | 0.90% | 0.86% |
| ▂▁▂▄▆▅▇█ | Tang. Book Value ($M) | $34 | $33 | $35 | $36 | $38 | $37 | $38 | $40 |
| ▁▅█▆▆▅█▆ | Gross Loans ($M) | $93 | $97 | $100 | $99 | $98 | $97 | $100 | $98 |
| ▁▅▂▂▃▅▆█ | Total Deposits ($M) | $253 | $264 | $257 | $257 | $258 | $265 | $268 | $274 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 12% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 42% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 5% |